Zeziphi izinto ezichaphazela uTyalo-mali loGcino lweGolide?

Ukungaqiniseki kwezoqoqosho kunye nokuguquguquka kweMarike: Indima yeGolide njengendawo eKhuselekileyo

Ukungazinzi kwezoqoqosho kudla ngokubangela ukubaleka ukuya kwindawo ekhuselekileyo, kunye negolide ephuma njengevenkile ethembekileyo yexabiso. Ngexesha lokudodobala koqoqosho, ukuwohloka kwemarike yemasheya, okanye iintlekele zebhanki, abatyali-mali bathontelana ukuya kwigolide ukugcina inkunzi. Umzekelo, ngexesha lentlekele yezemali ka-2008, amaxabiso egolide anyuke ngaphezu kwe-24% njengoko iimarike zezabelo ziye zawa. Ngokufanayo, ukudodobala kwezoqoqosho phakathi kobhubhani we-COVID-19 kubone igolide ifikelela kwixesha eliphakamileyo le-2,000 yeedola nge-ounce ngo-2020.

Impembelelo kwiMfuno yoGcino:
Ukuguquguquka okuphakamileyo kukhuthaza abatyali-mali ukuba baguqule iimpahla zephepha zibe yigolide ebonakalayo, ukwandisa imfuno yokugcina ekhuselekileyo. Ngo-2022, phakathi kokunyuka kwamaxabiso kunye nokungavisisani kwezopolitiko, imfuno yegolide yehlabathi inyuke nge-18% unyaka nonyaka, kunye nemivalo ebonakalayo kunye neengqekembe ezibalelwa kwisabelo esibalulekileyo. Olu tshintsho lugxininisa ikhonkco phakathi kokuxhalaba kwezoqoqosho kunye nesidingo sokhuseleko lwempahla ebonakalayo.

Ukunyuka kwamaxabiso kunye nokuThenga ukuGcinwa kwamandla

Igolide ngokwesiko ibiluthango oluchasene nokunyuka kwamaxabiso. Ngokungafaniyo neemali ze-fiat, ezilahlekelwa yixabiso njengoko oorhulumente beshicilela imali, ukunqongophala kwegolide kugcina ixabiso layo. Ngokwembali, amaxesha okunyuka kwamaxabiso aphezulu ahambelana nokunyuka kwamaxabiso egolide. Ngeminyaka yee-1970, e-US Ukunyuka kwamaxabiso kumlinganiselo we-7% ngonyaka, ukutyhala igolide ukusuka kwi-35 yeedola ukuya kwi-850 yeedola nge-1980.

Iingqwalasela zoGcino:

Ukuguquguquka kwemali kunye nempembelelo yeedola zaseMelika

Igolide ithengiswa e-US iidola, okwenza ixabiso layo lihambelane ngokuchasene namandla eedola. I-greenback ebuthathaka yenza igolide ingabizi kakhulu kubathengi bangaphandle, ukunyuka kwemfuno. Umzekelo, ngo-2020, isalathiso sedola sehle nge-12%, ngelixa amaxabiso egolide enyuke nge-25%.

Impembelelo kuGcino:
Abatyali-zimali bamazwe ngamazwe badla ngokugcina igolide kwiindawo ezizinzileyo ezibizwa ngokuba ziimali ezomeleleyo. Ngokuchaseneyo, abemi bamazwe aneemali eziguquguqukayo (umzekelo, iArgentina okanye iTurkey) banokukhetha indawo yokugcina ngaphandle konxweme ukukhusela ekuwohlokeni kwemali yasekhaya.

Inzala kunye neendleko zeThuba

Ugcino Dynamics:

Imingcipheko ye-Geopolitical kunye ne-Safe-Haven Demand

Imfazwe, izohlwayo, nezidubedube zezopolitiko zikhulisa ukuthandwa kwegolide. Uhlaselo lwaseRussia luka-2022 eUkraine, umzekelo, lubangele ukunyuka kwe-6% kumaxabiso egolide njengoko abatyali-mali bafuna ikhusi. Ngokufanayo, iibhanki ezingundoqo e-Asia naseMpuma Yurophu zakhawulezisa ukuthengwa kwegolide ukuze zihlukane ne-US. Ukubanjwa kooNondyebo phakathi kwemingcipheko yezohlwayo.

Isicwangciso sokuGcina:
Abatyali-mali kwimimandla engazinzanga bahlala bekhetha iivaults ezikude nonxweme kumazwe angathathi hlangothi kwezopolitiko njengeSwitzerland okanye iSingapore. Lo mkhwa uye wenyuka emva kokuba oovimba baseRussia babekhenkcezwe ngo-2022, nto leyo eyabangela ukuba iimarike ezisakhulayo zibuyisele ekhaya okanye ziguqule iindawo zokugcina.

Ukubonelela kunye nokuBanga iiDynamics: Ukwembiwa kwemigodi, ukurisayikilisha, kunye neeBhanki eziMbindi

Golds finite supply isekela ixabiso layo. Imveliso yemigodi yonyaka (malunga ne-3,600 yeetoni) ihlangabezana nemfuno ethe gqolo evela kwizacholo (45%), ubuchwepheshe (8%), notyalo-mali (47%). Iibhanki eziphambili, ezithenge iitoni ze-1,136 kwi-2022 (idatha ye-IMF), ngakumbi ukuqinisa iimarike.

Impembelelo kuGcino:
Izithintelo zonikezelo kunye nokunyuka kwemfuno kunokunyusa amaxabiso, kukhuthaze ugcino lwabucala. Umzekelo, amaTshayina atyhalela ukwanela kwimigodi yegolide kunye neemfuno zezacholo zaseIndiya ezongezelelekileyo zibonisa iindlela zogcino lwengingqi ezibotshelelwe kumakhonkco obonelelo asekuhlaleni.

Iindleko zokuGcina, uKhuseleko, kunye noLungiselelo: IiNyaniso eziSebenzayo

Igolide ebonakalayo idinga ukugcinwa okukhuselekileyo, okufaka iindleko. Iinketho ziquka:

• IiKhuseleko zaseKhaya: Iindleko eziphantsi kodwa umngcipheko omkhulu wobusela.
• Iibhokisi zeDipozithi yoKhuseleko lweBhanki: Imirhumo yonyaka (i-$ 50 $ 200), i-inshurensi encinci.
• IiVaults zabucala: Amaziko okhuseleko oluphezulu (umz., IiBrinks) ezine-inshurensi, exabisa i-12% yexabiso le-asethi ngonyaka.
• Ugcino olwabiweyo: Imivalo eyohluliweyo phantsi kwegama elinye, ebanjelwe kude nonxweme.

URhwebelwano lweQhinga:
Abatyali-mali balinganisela iindleko, ukufikeleleka, kunye nokhuseleko. Umzekelo, umtyali-mali othengisayo unokubeka phambili ukufikeleleka, ngelixa amaziko ekhetha i-inshurensi epheleleyo, iivaults ezabiweyo kwiindawo zemali ezifana neLondon okanye iZurich.

Imigaqo-nkqubo yoLawulo kunye neRhafu: UkuHamba kuBume beMihlaba obusemthethweni

Oorhulumente baphembelela ukugcinwa kwegolide ngerhafu kunye nemithetho yobunini. E-Indiya, ukugcinwa kwegolide kuxhomekeke kwirhafu yobutyebi, nto leyo ebangela ukuba kufuneke ukugcinwa ngokuqonda. I-US iirhafu zegolide njengento eqokelelweyo (28% izinga lokuzuza inkunzi), kanti iSingapore yabhangisa iGST kwigolide ngo-2020, yaba yindawo yokugcina.

Offshore vs. UGcino lwaseKhaya:
Iinkxalabo zabucala ziqhuba ulwabiwo ngaphandle konxweme. ISwitzerland, nemithetho yayo engqongqo yokufihla ibhanki, ibambe ~ 25% yogcino lwegolide kwihlabathi. Kwelinye icala, imigaqo-nkqubo yokubuyiswa kwelizwe efana neVenezuelas 2019 inzame zokufumana kwakhona igolide kwiBhanki yaseNgilani iqaqambisa imingcipheko yezepolitiko yogcino lwangaphandle.

Ukuqhubela phambili kweTekhnoloji kwiGold Storage

I-Innovation iguqula izisombululo zokugcina:

• Ukulandelela iBlockchain: Iiplatform ezifana neRoyal Mint Gold zisebenzisa i-blockchain ukuqinisekisa ubunini beebhari ezabiweyo.
• IiVaults ezihlakaniphile: Ufikelelo lwebhayometriki kunye nokucupha i-AI kwandisa ukhuseleko.
• Ubunini boBuqhetseba: Iinkonzo ezifana neGoldmoney zivumela abatyali-mali ukuba babe namaqhezu eebhari ezigcinwe kumaziko avavanyiweyo.

Ezi nkqubela zinciphisa iindleko kunye nokwandisa ukungafihli, okwenza ukugcinwa kufikeleleke ngakumbi kubatyalo-mali abancinci.

Ukuqwalaselwa kokusingqongileyo kunye nokuziphatha

Ukunyuka kwe-ESG (Esingqongileyo, iNtlalo, uLawulo) kutyalo-mali kuhlengahlengisa imfuno yegolide. Imigodi yemveli ijongene nokujongwa ngokugawulwa kwamahlathi kunye nongcoliseko lwemekyuri. Ukuphendula, i-15% yegolide yehlabathi ngoku iphuma kwimithombo esetyenzisiweyo, kwaye iziqinisekiso ezifana neResponsible Jewellery Council (RJC) umgangatho ziyakhula.

Iimpembelelo zoGcino:
Igolide efunyenwe ngokusesikweni iyalela iprimiyamu, ichaphazela ukhetho lokugcina. Abatyali-mali banokubhatala imali eyongezelelweyo ukugcina igolide eqinisekisiweyo kwi-eco-friendly vaults, ukulungelelanisa iipotfoliyo kunye neenjongo zozinzo.

Iingqwalaselo zoBuchule kubaTyali-mali beGold Storage

Utyalo-mali olugciniweyo lwegolide aluyondlela nje yokusabela kwiintshukumo zamaxabiso kodwa lunxibelelwano olumanyumnyezi lwamandla oqoqosho olukhulu, ukunyamezela umngcipheko wobuqu, kunye nokusebenza kolungiselelo. Ukujonga le landscape:

• Beka iliso kwiZalathi zoQoqosho: Landela umkhondo wokunyuka kwamaxabiso, inzala, kunye nentsingiselo yemali.
• Vavanya iiNgozi zeGeopolitical: Ukwahluka kweendawo zokugcina ukunciphisa ukungazinzi kwengingqi.
• Lungiselela Iindleko: Ukulinganisa iimfuno zokhuseleko ngokuchasene nemiqobo yohlahlo lwabiwo-mali.
• Hlala unolwazi ngeMimiselo: Qonda iimpembelelo zerhafu kunye nemithetho yobunini.
• Yamkela iTekhnoloji: Sebenzisa amandla amatsha okugcinwa okukhuselekileyo, okucacileyo.

Ngeli xesha lokukhula kwemali ngendlela engazange ibonwe ngaphambili kunye nemingcipheko yenkqubo, igolide ihlala ilitye lembombo lokuqina kwezemali. Ngokuqonda izinto ezibumba ukugcinwa kwayo, abatyali-mali banokuqinisa ubutyebi babo ngokuchasene namaza okungaqiniseki.

Nokuba kukhuselwa ekunyukeni kwamaxabiso, ukuwa kwemali, okanye isiphithiphithi selizwe, ukugcinwa kwegolide bubugcisa kunye nesayensi. Izigqibo ezinolwazi namhlanje zinokuqinisekisa ukuba le asethi yakudala iyaqhubeka iqaqamba njengesibane sokhuseleko kwizizukulwana ezizayo.